Hosted by Saq Hussain · 🇺🇸 US · EN · 61 episodes
Established thought leaders with verified media credentials.
Straight-talking retirement, pension, investment and money guidance from Saq Hussain, with over 25 years of experience helping people plan for retirement. Each episode breaks down the money decisions that matter most — from making your pension last, to investment strategies, tax traps, State Pension planning, and knowing when you actually need a financial adviser. No jargon, no fluff, just clear answers you can act on. New episodes regularly. Visit financialeducation.co.uk for free guides and tools.
Saq Hussain hosts Retirement and Money Show, a business show with 61 episodes published.
How much tax would you actually pay if you took £20,000 out of your pension tomorrow? Most people assume they'll lose 20% straight away. But with no other income, a £20,000 withdrawal could cost you just £486 in tax. Tha
Show notesDo you actually know how HMRC finds out about cash gifts you made years ago? Most families assume that handing money to their children is private. But HMRC's Connect system cross references over a billion pieces of data
Show notesHow much income does a £300,000 pension pot actually give you each month? Most people assume £300K is enough to retire comfortably. But at a safe withdrawal rate of 3.9%, that pot only delivers around £11,700 a year. And
Show notesDo you know exactly what you're entitled to when you turn 60? Most people assume all the big benefits arrive at once. They don't. At 60 you get free prescriptions, free eye tests, and a Senior Railcard — worth about £700
Show notesWhat actually happens to your State Pension when your husband or wife dies? Most couples assume the surviving partner keeps both pensions. They don't. Your spouse's State Pension stops completely — and your household inc
Show notesCan you actually retire at 60 with £250,000 in your pension? The short answer is yes — but the 7 gap years before the State Pension arrives drain roughly £108,000 from your pot, and each year of early retirement costs ab
Show notesHow big does your pension pot actually need to be to get £3,000 a month in retirement? The answer is roughly £520,000 — nearly four times the average UK pension pot. And if you retire at 60, your pot has to carry everyth
Show notesDo you know exactly when your State Pension starts — down to the month? The State Pension age is rising from 66 to 67 starting April 2026, and if you were born between April 1960 and March 1961, your exact birthday decid
Show notesAre you missing out on a tax-free benefit worth over £10,000 a year? Over a million pensioners are entitled to Attendance Allowance and don't even know it exists. It's not means-tested, it's completely tax-free, and it u
Show notesCould selling your home to fund retirement actually leave you worse off? Most people assume downsizing is straightforward — sell the big house, buy somewhere smaller, pocket the difference. But when you run the numbers,
Show notesYou've saved £300,000 in your pension — but how much income does that actually give you each month? At the safe withdrawal rate of 3.9%, a £300K pot delivers just £11,700 a year. An annuity at age 60 does better at aroun
Show notesWill you actually get the full State Pension — or are you one of the millions who won't? Most people assume 35 years of National Insurance means they'll get the full £12,548 a year. But the contracting out trap catches t
Show notesYou're sitting on a house worth hundreds of thousands — so why does it feel like you can't afford to retire? Around 40% of UK household wealth is locked in property, yet the average pension pot for someone aged 55 to 64
Show notesIs your State Pension taxable — and if it is, why doesn't HMRC take the tax before it hits your account? The full new State Pension is £12,548 a year. Your Personal Allowance is £12,570. That's a gap of just £22 — which
Show notesFrom April 2027, could HMRC take up to 64p of every pound left in your pension when you die? Right now, unused pension pots sit outside your estate for Inheritance Tax. That changes on 6 April 2027. Your Defined Contribu
Show notesHow much pension should you actually have by 40, 50 or 60 — and what does the average UK pension pot really get you in retirement? The average pension pot for 55 to 64-year-olds is £137,800. That sounds reasonable until
Show notesDo you know how much a care home actually costs in the UK right now — and who ends up paying for it? Most families assume the NHS or the council will cover care home fees. The reality is very different. If your assets ar
Show notesCould a single pension withdrawal cost you £2,510 more than it needs to — just because of when you take it? Most people have no idea there's a window between 55 and 66 where pension withdrawals can be taxed at just 2.4%.
Show notesHow long does your pension actually need to last — and is your pot big enough? Most people plan for one flat retirement when they actually have three distinct spending phases. Costs are high in your 60s, dip in your 70s,
Show notesCan you actually retire at 60 with £150,000 in your pension? Once the bills are paid, you're left with about £13 a day for everything else. And here's the part most people don't plan for — there's a 7-year gap before you
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Retirement and Money Show is hosted by Saq Hussain. The show is categorised under business (investing) and has published 61 episodes.
Retirement and Money Show has published 61 episodes.
Retirement and Money Show regularly covers business, investing. It sits in the business category, with a investing focus.
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